Systems and methods to provide messages in real-time with transaction processing

• US 10,339,554 B2
• Filed: 03/16/2016
• Issued: 07/02/2019
• Est. Priority Date: 06/04/2010
• Status: Active Grant

• Current Assignee: Visa International Service Association (Visa, Inc.)
• Original Assignee: Visa International Service Association (Visa, Inc.)
• Inventors: Yoder, Jeanette, Amaro, Leigh, Hagey, Ryan, Vroom, Derek A., Bankston, Michael Steven
• Primary Examiner(s): Reagan, James A
• Application Number:
  US15/072,132
• Publication Number:
  US 20160196572A1
• Time in Patent Office: 1,203 Days
• Field of Search: 705 64
• CPC Class Codes: G06Q 20/32 using wireless devices
• CPC Class Codes: G06Q 20/384 using social networks
• CPC Class Codes: G06Q 20/40 Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
• CPC Class Codes: G06Q 20/401 Transaction verification
• CPC Class Codes: G06Q 30/02 Marketing; Price estimation or determination; Fundraising
• CPC Class Codes: G06Q 30/0215 Including financial accounts
• CPC Class Codes: G06Q 30/0222 During e-commerce, i.e. online transactions
• CPC Class Codes: G06Q 30/0231 Awarding of a frequent usage incentive independent of the monetary value of a good or service purchased, or distance travelled
• CPC Class Codes: G06Q 30/0251 Targeted advertisements
• CPC Class Codes: G06Q 30/0269 based on user profile or attribute
• CPC Class Codes: G07F 9/001 Interfacing with vending machines using mobile or wearable devices
• CPC Class Codes: G07F 9/009 User recognition or proximity detection

Abstract

A computing apparatus configured to generate trigger records for a transaction handler to identify authorization requests that satisfy the conditions specified in the trigger records, identify communication preferences of the users associated with the identified authorization requests, and use the communication preferences to target real-time messages at the users in parallel with the transaction handler providing responses to the respective authorization requests.

Claims

1. A computer-implemented method, comprising:

providing a computing apparatus comprising;

a processor coupled in an electronic payment processing network that connects separate computers, including

transaction terminals configured to generate transactions of payments in the electronic payment processing network using identification information of accounts; and

computers controlling accounts from which the payments are made and accounts in which the payments are received;

a data warehouse storing a plurality of trigger records; and

a portal coupled with the data warehouse and the processor and configured to communicate with mobile devices using communication channels outside the electronic payment processing network;

processing, by the processor coupled in the electronic payment processing network, an authorization request for a transaction of a payment of a user in the electronic payment processing network;

determining, by the processor, whether the authorization request matches one of the plurality of trigger records; and

in response to a determination that the authorization request matches a trigger record in the plurality of the trigger records,

identifying, by the computing apparatus, a communication reference of the user in accordance with the trigger record,

generating, by the computing apparatus, a message regarding a benefit that will be provided to the user upon completion of the payment requested via the authorization request, and

transmitting, by the portal, the message to the user via the communication reference prior to providing the benefit to the user.

2. The method of claim 1, wherein the trigger record identifies an offer of the benefit;

the data warehouse further stores an offer record separate from the trigger record; and

the offer record identifies conditions for redemption of the benefit of the offer.

3. The method of claim 2, further comprising, in response to a determination that the authorization request matches the trigger record:

determining, in accordance with the offer record, whether the payment, if completed in the electronic payment processing network, entitles the user to the benefit of the offer.

4. The method of claim 3, further comprising:

identifying a settlement transaction corresponding to the authorization request; and

after the settlement transaction is identified, providing the benefit of the offer to the user.

5. The method of claim 4, wherein the providing the benefit of the offer to the user includes initiating statement credits to an account identified in the authorization request.

6. The method of claim 4, wherein the providing the benefit of the offer to the user includes providing an amount of a loyalty program currency to the user.

7. The method of claim 4, further comprising:

generating a second trigger record in response to a determination that the payment, if completed in the electronic payment processing network, entitles the user to the benefit.

8. The method of claim 7, wherein the identifying of the settlement transaction is based on a match of the settlement transaction to the second trigger record.

9. The method of claim 1, wherein the communication reference is one of:

phone number and email address; and

the message is transmitted via at least one of;

short message service and email; and

the message is transmitted to the user via the communication reference in response to

an authorization response approving the transaction of the payment, and

a determination that the payment, if completed in the electronic payment processing network, entitles the user to the benefit.

10. The method of claim 9, wherein the message is transmitted to a mobile phone of the user via the communication reference.

11. The method of claim 10, wherein the message is transmitted to the user via a communication channel separate from a communication channel used to provide a response to the authorization request.

12. The method of claim 1, wherein the message includes an offer identified based on transaction data of the user.

13. The method of claim 12, wherein the offer is identified based on offer rules received via the portal from a merchant.

14. The method of claim 12, wherein the offer is identified in real-time with the authorization request being processed in the electronic payment processing network.

15. The method of claim 12, wherein the offer is identified in response to a determination that the authorization request matches the trigger record.

16. The method of claim 12, wherein the offer is identified based on a profile of the user summarizing the transaction data of the user.

17. The method of claim 16, further comprising:

generating the profile from the transaction data of the user via a cluster analysis and a factor analysis.

18. The method of claim 1, wherein the message is configured to indicate that the transaction for which the authorization request is processed is eligible, when the transaction is completed, for the benefit associated with an account identifier identified in the authorization request.

19. A non-transitory computer-storage medium storing instructions configured to instruct a computing apparatus to perform a method, the method comprising:

storing, in a data warehouse of the computing apparatus, a plurality of trigger records, wherein the computing apparatus includes;

a processor coupled in an electronic payment processing network that connects separate computers, including

transaction terminals configured to generate transactions of payments in the electronic payment processing network using identification information of accounts, and

computers controlling accounts from which the payments are made and accounts in which the payments are received;

the data warehouse; and

a portal coupled with the data warehouse and the processor and configured to communicate with mobile devices using communication channels outside the electronic payment processing network;

processing, by the processor coupled in the electronic payment processing network, an authorization request for a transaction of a payment of a user in the electronic payment processing network;

determining, by the processor, whether the authorization request matches one of the plurality of trigger records; and

in response to a determination that the authorization request matches a trigger record in the plurality of the trigger records,

identifying, by the computing apparatus, a communication reference of the user in accordance with the trigger record,

generating, by the computing apparatus, a message regarding a benefit that will be provided to the user upon completion of the payment requested via the authorization request, and

transmitting, by the portal, the message to the user via the communication reference prior to providing the benefit to the user.

20. A computing apparatus having at least one microprocessor and memory storing instructions configured to instruct the at least one microprocessor to perform operations, the computing apparatus comprising:

a processor coupled in an electronic payment processing network that connects separate computers, including;

transaction terminals configured to generate transactions of payments in the electronic payment processing network using identification information of accounts, and

computers controlling accounts from which the payments are made and accounts in which the payments are received;

a data warehouse storing a plurality of trigger records; and

a portal coupled with the data warehouse and the processor and configured to communicate with mobile devices using communication channels outside the electronic payment processing network;

wherein during the processor processing an authorization request for a transaction of a payment of a user in the electronic payment processing network, the processor determines whether the authorization request matches one of the plurality of trigger records; and

wherein in response to a determination that the authorization request matches a trigger record in the plurality of the trigger records, the computing apparatus is configured by the instructions to;

identify a communication reference of the user in accordance with the trigger record,

generate a message regarding a benefit that will be provided to the user upon completion of the payment requested via the authorization request, and

transmit, using the portal, the message to the user via the communication reference prior to providing the benefit to the user.